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Open a Junior SIPP

Junior SIPP application

You can only open a Junior SIPP by post.

As this will be the first time you’ve paid into your Lifetime ISA in the current tax year, you’ll have to confirm that you agree to the Lifetime ISA declarations. It shouldn’t take any longer than 5 minutes.

This won’t impact your existing account – any contributions to this year’s Lifetime ISA will appear as normal.

What you need to know

  • An HL Junior SIPP is for people comfortable choosing their own investments. If you’re not sure which investments are right for you, please ask us about financial advice. There’s no personal advice on our website.
  • Investments can go up and down in value so you could get back less than you put in.
  • Once money is in a pension, it usually can't be accessed until age 55 (57 from 2028). Up to 25% is usually tax free and the rest is taxed as income.
  • Tax rules for a Junior SIPP can change, and their benefits depend on your circumstances.

By applying for the HL Junior SIPP, you agree to our terms, so please make sure you’ve read and understood our: HL SIPP declaration, Terms and Conditions with Tariff of Charges (PDF), SIPP Key Features (PDF) and the risks. Please contact us if you have any questions.